My AA cover runs out soon but it's not needed as I have LR 3 yr warranty but that runs out in December. I need to cover my motorbike for breakdown. My wife gets 5 yr breakdown on her Hyundai.

I'm going to extend the LR warranty but can't decide whether to pay the additional £150 for breakdown (which I'm not clear is AA only or the LR Assist vehicles as well) and pay £40 for motorcycle breakdown or go with GEM which covers me for everything I ride and drive for £76 and pay the additional £20 for my wife when she drives the Freelander.

Has anyone any experience of GEM and what the service is like. It sounds good to me.

Thanks
Simon